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Dataset 2026-10-22+69: 69 offers, latest check 22 Oct 2026

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BBVA leads: Up to EUR 760 gross in year one, EUR 400 of it for a EUR 800+ payroll, no lock-in — about €616 net in the first year with no commitment. Next: Bankinter, about €486.

14 offers ranked, data checked up to 22 Oct 2026. How we rank

Results

Offers ranked by first-year net value for salary
CompareRank#OfferRewardCommitmentNet, 1st yearPer monthRequirementsCatchesVerifiedSource
1BBBVAUp to EUR 760 gross in year one, EUR 400 of it for a EUR 800+ payroll, no lock-inCash€760None€615.60n/a
  • Income of €800/month or more
  • New customers only
  • Payroll (or pension) of EUR 800+ a month in one payment, identified as payroll
  • Open the account digitally with code PLAN1060
  • Card spending, Bizum and direct debits each earn their own block
  • EUR 10,000 average balance for the extra EUR 300
  • penalty: No permanence and no penalty; a block is simply not paid when its condition is missed.
  • needs income of at least EUR 800 a month
22 Oct 2026todaySourcefor BBVA: Up to EUR 760 gross in year one, EUR 400 of it for a EUR 800+ payroll, no lock-in (opens in a new tab)
2BBankinterEUR 600 gross for a payroll of EUR 850+ a month, paid EUR 50 a month for 12 monthsCash€60012 months€486€40.50
  • Income of €850/month or more
  • New customers only
  • Payroll or equivalent income domiciled within the promotion window
  • Keep the income for 12 months
  • Not combinable with more than one payroll or holder
  • Sign up by 28 Oct 2026 or until 50,000 contracts
  • needs income of at least EUR 850 a month
22 Oct 2026todaySourcefor Bankinter: EUR 600 gross for a payroll of EUR 850+ a month, paid EUR 50 a month for 12 months (opens in a new tab)
3IIbercaja5.10% TAE in year one and 2.02% in year two on up to EUR 20,000 with a EUR 600+ payrollRate5.1% TAE12 mo · first €20,000Unknown€413.10n/a
  • Income of €600/month or more
  • New customers only
  • Open between 2026-09-11 and 2026-12-31 with a debit/credit card and Banca Digital Ibercaja contracted at the same time
  • Domicile payroll, pension or unemployment benefit of EUR 600+; first one within 2 calendar months after the month of opening
  • At least 6 card movements and 6 direct-debit charges each half-year
  • Not a holder of any Ibercaja product, or a customer for 6 months or less
  • needs income of at least EUR 600 a month
22 Oct 2026todaySourcefor Ibercaja: 5.10% TAE in year one and 2.02% in year two on up to EUR 20,000 with a EUR 600+ payroll (opens in a new tab)
4DDeutsche Bank EspañaEUR 500 gross (EUR 405 net) over 12 months for a payroll or pension of EUR 2,000+ a monthCash€50012 months€405€33.75
  • Income of €2,000/month or more
  • New customers only
  • Payroll or pension of EUR 2,000+ a month; summed incomes, cash deposits and transfers between own accounts do not count
  • Average monthly balance of EUR 3,000+ in the Cuenta Nómina Más DB during the 12 months
  • Not combinable with other Deutsche Bank payroll, pension or SEPE offers
  • Customer who has never been a Deutsche Bank customer
  • penalty: Payment stops if either condition is missed in a month; no clawback of paid instalments is stated
  • needs income of at least EUR 2000 a month
22 Oct 2026todaySourcefor Deutsche Bank España: EUR 500 gross (EUR 405 net) over 12 months for a payroll or pension of EUR 2,000+ a month (opens in a new tab)
5AABANCAEUR 500 gross for a payroll of EUR 1,200+ a month, 24-month stayCash€50024 months€405€16.88
  • Income of €800/month or more
  • New customers only
  • Keep the payroll or pension deposited with ABANCA for 24 months
  • No payroll or pension paid into ABANCA in the last 12 months
  • Not available with an ABANCA remunerated account
  • Not combinable with other payroll campaigns
  • Opt into the campaign when signing up
  • penalty: Return the proportional part of the incentive for the months remaining until 24; after 12 months you keep 50%.
  • needs income of at least EUR 800 a month
22 Oct 2026todaySourcefor ABANCA: EUR 500 gross for a payroll of EUR 1,200+ a month, 24-month stay (opens in a new tab)
6UUnicajaUp to EUR 450 gross for a EUR 1,200+ payroll or pension, paid monthly, no lock-inCash€450None€364.50n/a
  • Income of €600/month or more
  • New customers only
  • Payroll or pension paid directly into the account (or self-employed contributions of EUR 50+ by direct debit)
  • Conditions met within 3 months of joining
  • No payroll or pension paid into a Unicaja account in the last 12 months
  • No Unicaja products in the last 12 months
  • needs income of at least EUR 600 a month
22 Oct 2026todaySourcefor Unicaja: Up to EUR 450 gross for a EUR 1,200+ payroll or pension, paid monthly, no lock-in (opens in a new tab)
7SSantanderUp to EUR 840 over 24 months for moving a payroll of EUR 800+ a month, no lock-inCash€840None€340.20n/a
  • Income of €800/month or more
  • New customers only
  • Salary, pension of EUR 800+ or self-employed contributions paid into the account
  • Income must not already be paid into Santander
  • 3 Bizum payments a month (or 1 credit card transaction) for the Bizum bonus
  • 2 direct debits a month for the direct-debit bonus
  • Sign up before 30 October 2026
  • paid over 24 months
  • penalty: No tie-in stated. A month with the income condition missed pays no bonus for that month; missed bonuses are not paid retroactively.
  • needs income of at least EUR 800 a month
22 Oct 2026todaySourcefor Santander: Up to EUR 840 over 24 months for moving a payroll of EUR 800+ a month, no lock-in (opens in a new tab)
8IINGEUR 400 gross for new customers who bring a EUR 700+ payroll and Bizum, 12-month stayCash€40012 months€324€27.00
  • Income of €700/month or more
  • New customers only
  • Enter code ING400 when opening Cuenta NÓMINA and Cuenta NARANJA
  • First valid deposit received before 2026-12-31 and kept for 12 consecutive months
  • Activate Bizum before 2026-12-31 and keep it 12 months
  • Payroll money stays in the account until 9:00 the next day
  • Not combinable with other ING promotions
  • penalty: If payroll/income or Bizum stops early, ING charges the bonus pro rata for the missing days (EUR 400 / 365 x days short, max 12 months)
  • needs income of at least EUR 700 a month
22 Oct 2026todaySourcefor ING: EUR 400 gross for new customers who bring a EUR 700+ payroll and Bizum, 12-month stay (opens in a new tab)
9BBanco SabadellEUR 400 gross for a payroll of EUR 1,000+ a month and Bizum, paid over 12 monthsCash€40012 months€324€27.00
  • Income of €1,000/month or more
  • New customers only
  • New payroll (SEPA salary code) of at least EUR 1,000 per payment within 2 months of opening
  • Bizum linked to the account without interruption until the last payment
  • Pensions and unemployment benefits do not count
  • Account opened online between 8 Oct and 12 Nov 2026
  • penalty: No clawback stated. Payments stop and the customer is excluded if the payroll stops or Bizum is unlinked before the last payment.
  • needs income of at least EUR 1000 a month
22 Oct 2026todaySourcefor Banco Sabadell: EUR 400 gross for a payroll of EUR 1,000+ a month and Bizum, paid over 12 months (opens in a new tab)
10CCajamarEUR 300 to EUR 750 for domiciling a EUR 1,200+ payroll for the first time, 36-month stayCash€30036 months€243€6.75
  • Income of €1,200/month or more
  • Domicile the payroll for the first time with any Grupo Cooperativo Cajamar entity
  • Keep the payroll for at least 36 months
  • Not available to anyone who already received a payroll-domiciliation bonus
  • Account also pays 2.02% TAE on up to EUR 20,000
  • needs income of at least EUR 1200 a month
22 Oct 2026todaySourcefor Cajamar: EUR 300 to EUR 750 for domiciling a EUR 1,200+ payroll for the first time, 36-month stay (opens in a new tab)
11KKutxabankEUR 300 gross for a EUR 800+ net payroll, EUR 600 for EUR 2,500+, 36-month stayCash€30036 months€243€6.75
  • Income of €800/month or more
  • Domicile payroll or pension in a Kutxabank savings account for the first time before 2026-12-31
  • Minimum balance of EUR 250 in the account
  • Bizum linked to the account for the whole stay period
  • Under 31: stay period is 12 months instead of 36
  • A pension does not count as new if payroll was domiciled at Kutxabank before
  • penalty: A penalty applies for breaking the conditions; its amount is not stated on the page
  • needs income of at least EUR 800 a month
22 Oct 2026todaySourcefor Kutxabank: EUR 300 gross for a EUR 800+ net payroll, EUR 600 for EUR 2,500+, 36-month stay (opens in a new tab)
12OOpenbankEUR 300 gross for moving a EUR 900+ payroll, plus 1% fund cashback (max EUR 1,000), needs EUR 2,000 investedCash€300Unknown€243n/a
  • Income of €900/month or more
  • Sign up with code NOMINA300F by 2026-12-31
  • Payroll, pension or unemployment benefit of EUR 900+ net in a single monthly payment, domiciled before 2027-02-01
  • Keep at least EUR 2,000 in Openbank investment products (funds, broker, crypto, plans)
  • Self-employed: RETA direct debit plus a single EUR 900+ monthly income
  • Excluded if payroll of EUR 900+ was at Openbank between 2026-04-05 and 2026-10-05
  • penalty: Fund cashback is lost and already-paid cashback is reclaimed if the funds that earned it are sold or transferred out before the bonus period ends (latest 2027-06-30). No clawback of the EUR 300 is stated.
  • needs income of at least EUR 900 a month
22 Oct 2026todaySourcefor Openbank: EUR 300 gross for moving a EUR 900+ payroll, plus 1% fund cashback (max EUR 1,000), needs EUR 2,000 invested (opens in a new tab)
13CCaixaBankEUR 250 cash for a payroll of EUR 1,500+ a month, 24+24 month commitmentCash€25048 months€202.50€4.22
  • Income of €900/month or more
  • Payroll domiciled
  • 3 direct debits (recibos) per quarter
  • 3 card purchases per quarter
  • Not combinable with payroll offers made after 1 Jan 2024
  • penalty: Penalty proportional to the time the conditions were not met; amount not stated on the page.
  • needs income of at least EUR 900 a month
22 Oct 2026todaySourcefor CaixaBank: EUR 250 cash for a payroll of EUR 1,500+ a month, 24+24 month commitment (opens in a new tab)
14CCajamarEUR 200 to EUR 750 for domiciling a EUR 600+ payroll for the first time, 36-month stayCash€20036 months€162€4.50
  • Income of €600/month or more
  • New customers only
  • Domicile the payroll for the first time with any Grupo Cooperativo Cajamar entity
  • Keep the payroll for at least 36 months
  • Not available to anyone who already received a payroll-domiciliation bonus
  • Open the Cuenta Online as a new customer with Bizum active
  • needs income of at least EUR 600 a month
22 Oct 2026todaySourcefor Cajamar: EUR 200 to EUR 750 for domiciling a EUR 600+ payroll for the first time, 36-month stay (opens in a new tab)

Tick 2 or 3 offers to compare.